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Holding Company Handbook - This handbook outlines OTS's regulatory approach to supervising and examining savings and loan holding companies. It includes specific examination objectives and procedures, and is organized according to the CORE technical review areas (Capital, Organizational Structure, Relationship, and Earnings). (07/13/2004)

Applications Processing Handbook - Provides information on how an application or notice will be processed. (02/05/2002)

Compliance Activities Handbook - This handbook is used to evaluate a savings association's compliance with fair lending, consumer protection, and public interest laws and regulations, such as the Equal Credit Opportunity Act, Community Reinvestment Act, Truth in Lending Act, and Bank Secrecy Act. The latest edition reflects OTS's streamlined compliance examination approach, which places primary emphasis on assessing an association's ability to manage its compliance responsibilities. Sections of the handbook have been updated to incorporate recent changes to the laws. Discussions of the regulations, along with the examination procedures and checklists, will be particularly useful to savings associations in managing their compliance programs. (01/30/2004)

Compliance Self-Assessment Guide - This guide helps thrifts develop or improve internal policies and programs to ensure compliance with fair lending, consumer protection, and public interest laws and regulations, such as the Bank Secrecy Act, Truth in Lending Act, Bank Protection Act, and Community Reinvestment Act. Savings associations may use the guide to evaluate their current compliance policies and procedures, to develop a comprehensive compliance program, or to enhance an existing one. (See also Compliance Activities Handbook.) (12/30/2002)

OTS Net Portfolio Value Model - This manual explains the computer model used by OTS to assess interest rate risk at thrift institutions and to calculate their interest rate risk capital component. (05/01/2001)

Thrift Activities Handbook - This handbook addresses all of the major areas of concern to examiners and supervisors regarding the safety and soundness of OTS-regulated institutions. The handbook includes specific examination objectives and procedures and is organized according to CAMELS areas (Capital, Assets, Management, Earnings, Liquidity, and Sensitivity to Market Risk). (Note: The Complete Sections of the Handbook have blank pages inserted for 2-sided copying). (01/15/2004)

OTS Trust and Asset Management Handbook - This handbook is used by OTS to examine savings associations and subsidiaries that engage in trust activities. Revised to reflect OTS's risk-focused approach to the examinations process, the handbook provides detailed guidance for examiners in planning and conducting examinations, preparing reports, and taking appropriate enforcement actions. The book discusses the duties, risks, and potential liabilities of providing trust services and summarizes the laws, regulations, and standards of fiduciary conduct applicable to savings associations acting as trustee. Examination policies and procedures are also included for such functions of a trust department as supervision and management, operations and internal controls, audit, and asset and account administration. (11/19/2003)

Published by the Federal Financial Institutions Examination Council and used by financial regulatory agencies, including the Office of Thrift Supervision, this is a guide for conducting information technology examinations at financial institutions and technology service providers. It includes standards and guidelines regarding sound information technology internal control practices. (Date of current edition: 2003-2004)

To access this handbook, click on the link to go directly to the FFIEC website: www.ffiec.gov/guides.htm